Personal Banking

 

Business Banking

Loan Services

Loan Services

Business Banking

About Us

Business Banking

Doing business with 1st Capital Bank is about helping your business grow and gain more financial control with flexibility. Business Banking is what we are here for…the simplicity of doing business!

Products Comparison Chart

Simply click one of the business products to view more specific details

Business Checking Accounts
Account TypeMinimum to open accountInterest EarnedService Charge Min. BalanceFree Online Banking Free Bill PayNo-ATM Charges1 Unlimited Check Writing
Business Checking  $1,000.00 N/A $3,000.002 Checkmark Checkmark Checkmark Checkmark
Business Interest Checking  $1,000.00 Yes $3,000.003 Checkmark Checkmark Checkmark Checkmark
Premier Business Interest Checking $1,000.00  Yes  $25,000.005  Checkmark   Checkmark Checkmark  Checkmark 
Business Money Market $1,000.00  Yes $2,500.006  Checkmark   Checkmark Checkmark  Limited to 6 transactions per statement cycle 4
Premier Business Money Market $1,000.00   Yes  $25,000.005 Checkmark   Checkmark Checkmark  Limited to 6 transactions per statement cycle
Attorney Trust Account (IOLTA) $1,000.00  N/A   N/A Checkmark  Checkmark   N/A  Checkmark
 

1. No ATM Fees Worldwide: ATM fees charged from other institutions or banks will be credited back on your monthly statement

2. Business Checking: A service charge fee of $10.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $3,000.00 dollars. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

3. Business Interest Checking: A service charge fee of $10.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $3,000.00 dollars. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

4. Federal law limits activity on money market deposit acconts. By law, these accounts are restricted to (6) preauthorized debits during the monthly statement cycle. Preauthorized debits include checks, drafts, funds transfers and pre-authorized debits. There are no limits on the number of deposits, in person withdrawals made to these accounts.

5. Premier Business Interest Checking and Premier Business Money Market: A service charge fee of $20.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $25,000.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

6. Business Money Market Checking: A service charge fee of $10.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $2,500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. An additional transaction fee of $10.00 may be charged for each transaction in excess of six during the monthly statement cycle.